• Managed the end-to-end credit assessment process, overseeing the evaluation and approval of financing reserves. Ensured all credit decisions aligned with company policies and risk management guidelines.• Developed and standardized reference materials to support financing processes, creating a streamlined and efficient framework for credit assessment and approval workflows.• Collaborated with marketing and branding teams to design and implement strategies for funding activities and financing applications, ensuring alignment with organizational goals and market positioning.• Enhanced operational efficiency by optimizing financing processes, reducing turnaround time, and improving customer satisfaction.• Maintained compliance with regulatory requirements, providing detailed reports and insights to senior management to support informed decision-making.

1. Sales Achievement:● Successfully generated leads through referrals and cold calls, utilizing diverse sales channels including marketing visits, telemarketing, launches, and road shows to consistently meet or exceed sales targets.2. Cross-Selling Excellence:● Actively promoted and cross-sold Banking/Financial products, demonstrating comprehensive knowledge and persuasive skills to enhance customer engagement and expand product adoption.3. Credit Application Expertise:● Diligently assessed and evaluated credit applications, ensuring meticulous attention to detail and adherence to banking standards and regulatory requirements.4. Customer Relationship Building:● Cultivated strong rapport and loyalty with key customers, resulting in increased repeat sales and enhanced product retention rates.5. Customer Service Excellence:● Delivered exceptional customer service, consistently upholding professionalism and reflecting the Bank's commitment to service excellence and brand reputation. 6. Market Intelligence & Compliance:● Maintained up-to-date product knowledge, conducted thorough market intelligence, and ensured compliance with FSA, KYC, AMLA, and internal policies, enhancing sales strategies and regulatory adherence.

𝐊𝐞𝐲 𝐀𝐜𝐡𝐢𝐞𝐯𝐞𝐦𝐞𝐧𝐭𝐬1. Strategic Business Expansion:● Orchestrated the successful expansion of an early childhood education center into a network of five, encompassing kindergartens and daycare centers over four years.2. Financial Growth and Enrollment Success:● Spearheaded a significant increase in annual business turnover from 400k to 1.1mil.● Achieved a 10% higher enrollment for the year ending December 2022.3. Operational Excellence:● Tasked with establishing robust Standard Operating Procedures, and streamlining Human Resources, Admin, and Accounting processes through the incorporation of technology and readily available system providers.4. Financial Management and Asset Acquisition:● Successfully enhanced the business's cash reserve.● Acquired tangible and non-tangible assets, showcasing financial acumen.5. Leadership and Team Development:● Applied strong Management Skills in Project Management, Problem Solving, and Decision Making.● Ensured consistent leadership and team development strategies, fostering a productive work environment.

𝐊𝐞𝐲 𝐀𝐜𝐡𝐢𝐞𝐯𝐞𝐦𝐞𝐧𝐭𝐬1. Leadership and Team Development:● Successfully led and developed a branch banking team, comprising 4 sales staff and 7 operation staff.2. Financial Management:● Managed overall branch banking operations, focusing on deposit, sales, and services.● Achieved a remarkable annual deposit increase of 40%, surpassing the budgeted amount by 60%.3. Compliance and Adaptability:● Ensured strict compliance with bank and regulatory policies and procedures.● Demonstrated adaptability and flexibility to align with evolving business needs.4. Relief Branch Manager and Resilience:● Undertook relief branch manager duties as required by headquarters.● Exhibited resilience under pressure, maintaining operational efficiency during challenging periods.5. Sales and Customer Satisfaction:● Identified areas for improvement in sales and services, resulting in a notable 50% increase in customer satisfaction at the branch.● Successfully reduced the number of complaints, meeting key performance indicators (KPIs).6. Project Management and Digital Transformation:● Seconded to the Project Management Office in 2016 for Project Affinity 2.6.● Led initiatives to simplify workflows and digitize the account opening process, enhancing overall customer experience.● Conducted data analysis to ensure accurate reporting and successful project outcomes.

𝐊𝐞𝐲 𝐀𝐜𝐡𝐢𝐞𝐯𝐞𝐦𝐞𝐧𝐭𝐬1. Operational Expertise:● Cultivated expertise across diverse aspects of branch operations, encompassing field operations, headquarters procedures, and streamlined processes.2. Branch Expansion Project:● Spearheaded a critical team project, ensuring the seamless establishment and operation of new branches in Penang and PJ.3. Operational Efficiency Improvement:● Played a key role in developing user guides and back-office support documents, contributing to a substantial improvement in operational efficiency.4. Relationship Building Excellence:● Fostered positive relationships with both customers and colleagues, delivering exceptional service and support.5. Strategic Planning and Execution Prowess:● Made significant contributions to the overall success of the bank, demonstrating adeptness in strategic planning and the execution of projects and initiatives during the bank's formation in Malaysia in 2006.

𝐊𝐞𝐲 𝐀𝐜𝐡𝐢𝐞𝐯𝐞𝐦𝐞𝐧𝐭𝐬1. Operational Support Excellence:● Provided crucial support to the Assistant Manager, contributing to the smooth daily operations of the branch.2. Customer Satisfaction and Retention:● Demonstrated expertise in promptly resolving customer complaints and concerns, leading to a notable increase in customer satisfaction and retention rates.3. Sales and Marketing Success:● Played a pivotal role in the development of the branch's sales, marketing, and outreach initiatives.● Achieved a commendable 35% increase in new customer acquisitions through attracting new-to-bank customers and generating referrals.4. Efficiency Improvement:● Implemented strategies to enhance operational efficiency, contributing to a more streamlined and effective workflow.5. Team Collaboration and Training:●Actively collaborated with team members, fostering a positive working environment.